| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONOVER INSURANCE SERVICES LLC3 | P.O. BOX 2528 PASCO, WA 99302 | ASURIS NORTHWEST HEALTH | $39K | — | $39K | 3.31% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | ASURIS NORTHWEST HEALTH | $8K | — | $8K | 0.68% |
| CONOVER INSURANCE SERVICES LLC3 | P.O. BOX 10088 YAKIMA, WA 98909 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $985 | $5K | 4.24% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| CONOVER INSURANCE SERVICES LLC3 | P.O. BOX 2528 PASCO, WA 99302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.89% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $916 | — | $916 | 2.96% |
| CONOVER INSURANCE SERVICES LLC3 | P.O. BOX 2528 PASCO, WA 99302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.07% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.93% |
| CONOVER INSURANCE SERVICES LLC3 | 1804 WEST LEWIS STREET PASCO, WA 99301 | VISION SERVICE PLAN | $914 | — | $914 | 4.70% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $334 | — | $334 | 1.72% |
| CONOVER INSURANCE SERVICES LLC3 | P.O. BOX 2528 PASCO, WA 99302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $752 | — | $752 | 5.02% |
| CONOVER INSURANCE SERVICES LLC3 | P.O. BOX 2528 PASCO, WA 99302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $221 | — | $221 | 6.88% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE. NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $100 | — | $100 | 3.11% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASURIS NORTHWEST HEALTH | 123 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $107K |
| Vision | VISION SERVICE PLAN | 95 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $31K |
| Prescription drug | ASURIS NORTHWEST HEALTH | 123 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.